Capon Valley Bank
Wardensville, WV · Owner: Highlands Bankshares Inc
$244M
total assets, June 30, 2026
$244M
total assets, June 30, 2026
Capon Valley Bank is a state nonmember bank based in Wardensville, WV, owned by Highlands Bankshares Inc. As of June 30, 2026 it held $244.2 million in assets and $218.4 million in deposits; assets were up 4.8% from a year before. It has 6 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$244M
+4.8% in a year · +1.9% in a quarter
Deposits
$218M
+4.3% in a year · +2.1% in a quarter
Loans
$178M
+11.8% in a year · +1.0% in a quarter
Profit so far
$1.4M
Jan 1 to Jun 30, 2026 · +31.8% in a year
Capital ratio
9.67%
-0.06 pts in a year
Return on assets
1.16%
+0.23 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 2 W Main St, Wardensville, WV, 26851
- County
- Hardy
- Holding company
- Highlands Bankshares Inc
- Established
- Jul 1, 1918
- Employees
- 51
- Branches
- 6 in 2 states
- Website
- www.caponvalleybank.com
- Id
- b9998
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
6 offices as of June 30, 2026, holding $218.4 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| West Virginia | 3 | $161M | 73.7% |
| Virginia | 3 | $57.5M | 26.3% |
| Largest branches | Place | Deposits |
|---|---|---|
| Capon Valley Bank (main office) | Wardensville, WV | $91.8M |
| Moorefield Branch | Moorefield, WV | $43.4M |
| Capon Valley Bank - Stephens City Branch | Stephens City, VA | $31.9M |
| Baker Branch | Baker, WV | $25.7M |
| Western Frederick Branch | Gore, VA | $23.4M |
| North Winchester Branch | Winchester, VA | $2.3M |
Related pages
Questions and answers
How big is Capon Valley Bank?
$244.2 million in total assets and $218.4 million in deposits as of June 30, 2026, with assets up 4.8% from a year before. Its loans were $178.5 million.
How many branches does Capon Valley Bank have?
6 branches in 2 states as of June 30, 2026. The most deposits are in West Virginia ($160.9 million).
Is Capon Valley Bank profitable?
Yes: it earned $1.40 million from January 1 to June 30, 2026 (up 31.8% from the same months a year before). Its return on assets was 1.16% a year; about 1% is typical.
Who owns Capon Valley Bank?
Capon Valley Bank is owned by Highlands Bankshares Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.